About LoanCalculatorSingapore.com
Free, accurate, and independent loan calculators built specifically for Singapore's regulated financial market.
Our Mission
LoanCalculatorSingapore.com was created to help everyday Singaporeans make informed financial decisions before approaching any bank or financial institution. We believe that understanding your loan repayments — home loan, HDB loan, car loan, or personal loan — should be simple, free, and available without signing up for anything.
Singapore's lending market is one of the most regulated in the world, governed by the Monetary Authority of Singapore (MAS). Our calculators incorporate these rules — TDSR limits, LTV ratios, MSR for HDB, OMV-based car loan limits — so you get realistic estimates, not just generic math.
Our Calculators
Our Methodology
All loan repayment calculations use the standard amortization formula used by Singapore banks. Monthly repayments are calculated as:
where P = principal, r = monthly rate, n = total months
Interest rates shown are indicative rates sourced from publicly available bank websites and updated regularly. All MAS regulatory limits (TDSR 55%, MSR 30%, LTV ratios, OMV-based car loan caps) are incorporated into our calculators. Rates are reviewed and updated monthly.
Editorial Team
Our content is written and reviewed by a team with backgrounds in Singapore banking, financial planning, and property. All articles are reviewed for accuracy against MAS guidelines and current bank offerings before publication.
We are not a licensed financial adviser. Our calculators and articles are for informational and educational purposes only. Always consult a licensed financial adviser or mortgage broker before making any financial commitment.
Privacy Commitment
We do not collect, store, or transmit any financial data you enter into our calculators. All calculations happen entirely in your browser. No account is required. No personal information is ever requested. Read our full Privacy Policy.